I'm wondering if anyone has had this same experience... I have been checking on the coverage for particular braces through my insurance and they were mainly quoting me Out Of Network rates, which wasn't great, but manageable. And then one time that I called they checked my plan and said that unless it specifically states under Durable Medical Equipment that Orthotics are included then they are not covered AT ALL, and the previous quotes had been incorrect. And because it's just plain not a part of my plan, there is no way to request that they review it or make an appeal. It's really frustrating, but I'm glad I called enough times to get this info before I go through with it rather than after.
But it seems really strange to me that it's something my employer would have to opt into. I'm considering asking my employer about it, but I don't really want to make a big fuss or have them worried about my health. Is it possible they just overlooked it? Even if that's the case, I can't imagine that they could add it mid year. I'd love to hear from anyone who has had a similar experience or is just a pro at dealing with the insurance co's.
But it seems really strange to me that it's something my employer would have to opt into. I'm considering asking my employer about it, but I don't really want to make a big fuss or have them worried about my health. Is it possible they just overlooked it? Even if that's the case, I can't imagine that they could add it mid year. I'd love to hear from anyone who has had a similar experience or is just a pro at dealing with the insurance co's.
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